restarting my budget journey + life update
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- Опубліковано 31 тра 2023
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Don't worry. We all get tired and get out of routine. No one is perfect. You getting back into the swing if things us way better than not doing anything at all 😊
That’s exactly how I do it…split the bills, and stuff 1/4 of them each week. Been doing it that way for 2 years and it’s worked great.
Give yourself some grace...you're back...and now, baby steps. Don't punish yourself for past misdeeds...look ahead to a sunny future! You got this! ❤❤
Hey sweetie! I have quite few sinkingfunds, and I get down to the number I have with category’s rather then specific names. Like celebrations (birthdays, hollydays special ovations), travel (the trip to my parents, the amusement park and going abroad all live here), looks (make up, clothing, hair, nails), health (dr, meds, therapy, supplements, gym) life (home things, car, pets, garden) and my food category in my wallet includes more then food (eating out, pet food and cat litter, my food, toiletries I can get in a normal shop, laundry stuff, washing up liquids and all that stuff I need on a day to day basis). I also use my spending money for a bit more then others (like Spotify, small events like going out or to the cinema, consort tickets, basicly combined with a fun category). When I have a good amount in one, there is nothing stopping me from breaking it down in to smaller sections, but for now the most important thing for me is to have some stuff put away.
Hi, I agree that too many categories is overwhelming. So I keep mine really simple. Ex. Transportation envelope = gas, insurance, repairs anything vehicle related. Medical envelope =dental, vision, glasses, medicine etc. I wish you all the best.
For you at this stage, I think car and pets are your must have sinking funds-then maybe add in gifts. I also think that there is an underlying "competitiveness" to have the most envelopes and the most savings challenges on the go at one time. I follow one budgeter who has had a huge life change and it seems from having a handful of challenges she's gone down to one-sometimes less really is best. good to see you back Tara!
i definitely this there is a sense of competition whether we realize it or not and sometimes it’s just not realistic!! i’ve definitely realized that throughout this year and i’m so glad to start fresh and start slow
I think you do a very good job at keeping it at a minimal. I do believe that you and your husband should budget together, and figure out what is important to you both, and what categories are must and which ones are wants.
For tracking, if it would work for you, maybe just use your phone in the notes app to keep track for the week or pay period. I do this and it works for me for tracking and I use my cc because of the rewards and just put my weekly budget amounts in a note and jot down in my notes whenever I spend.
I keep the receipts for everything I pay for out of my cash envelopes and keep reusable trackers in each envelope.
For Sinking Funds, I have permanent ones for Gifts, Car, Clothing & Cat. Then I have 1-3 other ones that are for current savings goals.
I missed your videos too... Glad you're okay and I hope everything goes well and you get to relax and transition well into the new routines.
I wondered where you went. You were doing so awesome with your cash stuffing, but don't worry about falling off of it. It happens. Glad to see you back.
thank you so much for sticking with me ❤️
Girl I'm so happy you're back!! Take it slow and don't overwhelm yourself again. You know it's a process. You got it Tara!! ❤❤
So happy your back, sounds like you took a much needed break. One thing about falling off a wagon is that you can get back up on it. Take your time and I know your fans ( me included) are here for you and with you.
yes!! i may be scratched up from falling off but i got this and im back 😜😆
I missed watching your videos. I’m glad you’re back 🥰
Girl, I thought we lost you for good! Glad you're back! I had to drain my emergency fund this week for a totally unexpected emergency so I am starting over with you!
Oh no! but nope you guys can’t lose me that easy 🫣🤣 i’ll always be back 😂 just needed to take a step back and come back heheh
❤🎉 i am glad you are back. I had yo come back after a while. So i understand. But just glad you are here.
Baby steps! I lost 2 incomes and have to lower my stuffing amounts but little by little it alllll adds up
do what you have to do! glad you’re back tara 💕
Honestly this is really relatable!! I’ve been using my card / Apple Pay a lot too ugh !! I haven’t stuffed anything in months !! Just been paying off cards . 😅 4:57
You got this. Just take it one day at a time. Keep Smiling 🤗
Yay!! You’re back! Sent out Scooby and Velma to find you but you’re back!🙌🏽💃🏽😊 welcome back and thanks for your inspiration! We’re going on vacay this summer paid in cash thanks to your example and inspiration!!
You WILL do whatever you set your mind to. The day of the week doesn’t matter, it’s the consistency.
😂😂 that is hilarious but omg that’s amazing!!! im so happy that you were able to do that just by watching me 🥹😭
Im glad your back I was just thinking about you the other day. I decided a few weeks ago that I was doing to much at once so I had to have a long hard think and cut back on a lot of things
I'm all for not having envelopes for everything! I combine what makes sense. Upkeep is for home/car, anything that can be for upkeep of something in our house. I have a folder for our dog since he has monthly meds (and vet visits!). I pull his food from our normal grocery budget, easiest for us. Another one that is combined is the part that we always used to use card, go over budget, spend too much! Holidays is a folder I have for those we celebrate/spend money. We have 2 kids, so I save for their birthdays as well. Any gifts for others comes out of our grocery budget (so our grocery budget is food, household goods, etc. I combine it all into one spending pot). When I was planning this, I looked at what we spend, listed out folders for them and finally got them narrowed down to what made sense to me without having TOO many envelopes. When I started, I decided to do this in steps. If I did all the things at once, I knew I'd get overwhelmed and just give up. Starting slow is great!
Please Tara, don't worry about anything. You just take care of your family and go slow as molasses. You are wonderful at budgeting!
Welcome back, take your time don’t get too overwhelmed.
I completely lost the plot of budgeting this spring too. And i have overspent to a ridiculous degree. I'm starting over too. Today is payday so wish me luck. I'm starting with my wallet, save 2023 box, giving, and gifts/christmas. And will build from there slowly.
you got this!
So glad your back. Step back and breathe. Keep it simple. I just love your videos to keep myself accountable. ❤
Hey there! Start with only one savings challenge and only stuff $1 in SF when your budget is tight.
Yay! Tara’s back! Love to watch your videos. You’ve given me great ideas on savings challenge’s and it saved me with car repairs, I had the money to fix my car when I didn’t expect it.
So glad you are back!!
So happy you are back❤❤
glad you back Tara!
Good to see you back glad your well. Congrats on your wedding. You got this.😀
Welcome back. ❤ definitely missed your videos.
Welcome back glad you’re doing well. I just restarted 1 June!!! Let’s GO!!!! We got this
Im so excited that you are back!
So glad your back
I am so happy you’re back 💜💜💜
Glad you’re back! Don’t worry about us. We’re here for you. Sometimes you just have to take a step back and regroup. You got this!❤
I appreciate that
I'm so excited you are back
I missed you Tara ! 🎉 Welcome back girl 😊
Glad to see you’re back! Great video!
Tara!! We are so glad you're back and I totally get you, life can get really hectic and budgeting can end up in the back seat but that is TOTALLY FINE!!
Welcome back. We are with you on this journey!
I've started over as well so glad your back missed you ❤
For tracking I use the fudget app and I’ve also used the expense app. I’ve created digital “envelopes” and it has def helped me stay on track and know exactly where my money is going
So excited to have you back
Super proud of you!
Glad you are back.
I'm glad your back!!! I missed your videos.
Girl I’m doing a reset too so I’m right here with you!
Welcome back!!💜
Welcome back. You know how to do it, girl go get it!
I missed you girl. I'm glad you're back
I’m with you on this journey!! 💜
You got this!
We budget for everything and I only do saving challenges with any extra money I earn that doesn’t go towards the budget. We fell of the budget wagon for something like 12 yrs and getting back to it was hard at first. We’ve only been back to budgeting for 10 months but have noticed a big difference. Good luck with the redo and know that y’all did a big step by just starting it again.
Restarting is always good.
I combined categories. Gifts is for birthdays holidays ect. Except Christmas. Also try using dividers in you envelopes. For example in my car envelopes I have registration, new tires,oil changes, ect. Glad your back. Good luck with the new job😊
I’m glad you’re not giving up on budgeting. I’ve been there and it will get better- it’ll take some time, and you’ll be surprised in the end! 😉
It's so good to see you back. And yes everything is going up and cash budgeting is not great when every place you go take credit cards! I'm still struggling to complete a year of budgeting. Now I'm only getting paid once a month. 💚 😉
Glad to see. U back.
Welcome back!! Sure did miss you.
hi so happy your back i really enjoy your videos
i have a book and pen to keep track of everything
food rent bills etc
i always like to look at the month before to see where everything was/at
i must say the cash binding system really did help me get control of my finances
wishing you all the best on your journey xo
You got this Tara!
Congrats in your new job!!❤
Thank you so much 😀
Iam happy your back
Welcome back 💖💖💖🥰
Something that helped me during May's budget cycles was doing a No-Spend challenge. It forced me to be deliberate about purchases throughout the month.
I also started reading "The 21-Day Financial Fast" by Michelle Singletary and "My Money My Way" by Kumiko Love aka The Budget Mom.
Yay!! I missed you!
And the $2 bill story made my day!
I got overwhelmed too! From someone that tracked every single expense I would have I went completely to not having a budget at all and just spending how I’d please. Plus cash budgeting is very time consuming as well. Today I set a budget after months for my cash envelopes and sinking funds. I’m going to hold myself accountable too. It may not be perfect but I have to try. Great video!
Omg! I have missed you and Tara!! I hope you are doing okay. It’s great to “see” you here! I am coming off of a 3 month neglect of finances and I am just getting back to it. Hope to hear from you soon but take your time!❤
@@kimberlyalexander7905 thank you so much for the sweet message! I’m doing well. This week was my actual week trying to get back into budgeting 😂 I’ll keep trying it out. I’m not sure when I’ll be back since I’m hoping to try to get control of it myself for now 🤣 I hope you’re doing well too!!
Thats a good idea to write everything down. I will start doing that too.
Great video!! Yeah as Briana mentioned just make sure to have your cash tray in frame but again great video!!
Welcome back
I'm glad you doing good ! Honestly I was going to unsubscribe you but I decided not to because you are one of my favorites and life sometimes gives us surprises! I am also struggling on keep budgeting . I have debt to pay off so I'm focusing on that ! Take care and hope to hear from you more! 😁
I am also you are back. You are the first cash stuffing channel I ever followed. Life happens!
Glad you're back! Strip it down to bare minimum and only include the envelopes you use frequently. It can be overwhelming! I need to track all of our spending as well to see where the overspending ia happening. Great video!
💜Welcome back💜
I've missed you girl
i’ve missed you all!!!
Just today I combined my beauty and hair sinking fund into one. I also moved a lot of sinking funds to digitally because realistically it’s not safe or best for me to take $900 out of the bank every 2 weeks. So far I just take out cash for my cash envelopes and like 4 sinking funds. The rest of my sinking funds are digital.
Welcome back.
Hay Tara!! So glad to hear from you! You were going really hard and you probably wore yourself out but, hey, you are HUMAN and you are entitled to a thousand resets if need be. Move at your own pace. Your vids are always quality work and believe me people will wait for quality. Glad you’re back!!!❤
thank you so much for that!! i definitely wore myself out and once i stepped back i realized i was way in over my head with challenges and sinking funds! it’s nice to have this restart and get back into it slowly ❤️
Yea I agree with you. It’s too hard to have all these sinking funds and savings challenges. I condensed everything. I only save for priorities. And if I have extra money that will go to savings challenges. I’m not going to stress about it.
Good to see ur back uploading videos❤ that was so nice of the guy to tip u $2 bill..i also collect them as good luck 😅 i dont spend them.. looking forward to more of ur videos .. go sleep so u can feel better tomorrow 9:08
Welcome back!! I feel like it was a year too 😂 That is so cool that you have a $2 dollar tipster now. 😎😎
right!! it made my week
Welcome back. 🎉💗💗😻😻
thank you 💕🥹
I have come off of if as well. My dog had an emergency surgery so she wiped out my boxes and my emergency fund. She still needs more stuff done so im saving everything i have. But i know i should be budgetting everything else.
prayers for your fur baby! i would do the same thing if i was in your situation ❤️🩹
Great video ❤
Maybe another idea to go along with the notes app is to take pics of what you buy so you can actually see what your $$ went too
This is a great idea!! 🎉🎉 I’m going to do this. I’ll be budgeting my first check in the next 2 Fridays
Welcome back 🎉
thank you!!! 🥹
I'm glad you're back. Money comes and money goes. I've cycled a few times in 70years. I hope you at least enjoyed spending it. You are a young woman with a long term plan. I know you can do it. Truckers usually are good tippers. My dad,brothers,and uncles were all teamsters. I know you will do well.
🎉 woohoo Tara your back. So happy to see you. You got this girl. ❤ just happy your back have a wonderful day. Don't know if this will help yo can add trackers in you wallet that's what's helps me it almost like when check writing you had to track what you've spent. I hope this helps and make sense ❤😊
@Tara Budgets I think a tracker should with the whole punches can help with tracking your expenses, just a suggestion.
Thank you for the video stay safe and God bless sending you lots of love and blessings 🙏😎🌹
I've tried the savings challenges and don't need the extra hassle. I do have things I'm saving up for things. I just add to them every week. I just want to add or subtract..lol
Start with getting all debit paid off then an Emergency fund of at least 1,000.00 and after that start with 1 month ahead on bills then slowly start on sinking funds and saving challenges that is how i started
love this idea!
Thanks for the video. I haven’t been doing my cash envelopes for several months. Took out cash to get back into it TODAY!!! 😂
yay!! you can do it!
Honestly I feel as though it depends on what's important to you
For me its vacation and gifts.
Having a new car makes the maintenance cost next to nothing.
Pets definitely is important as well.
I keep a mini composition book in my wallet.
💜
I was just watching your videos from last year hoping you would return!!!! ❤🎉
💕 thanks for coming back